When Action Arrived
Published action records across the covered window, split into RegOversight severity bands. Empty intervals remain visible.
| Interval | Total | S0–S1 · lifted / low | S2–S3 · moderate / high | S4–S5 · major / severe |
|---|---|---|---|---|
| Jan | 24 | 9 | 3 | 12 |
| Feb | 28 | 13 | 9 | 6 |
| Mar | 27 | 11 | 6 | 10 |
| Apr | 28 | 5 | 4 | 19 |
| May | 26 | 11 | 9 | 6 |
| Jun | 35 | 11 | 16 | 8 |
| Jul | 44 | 10 | 18 | 16 |
| Aug | 27 | 7 | 12 | 8 |
| Sept | 19 | 2 | 8 | 9 |
| Oct | 12 | 0 | 1 | 11 |
What Stood Out
Each finding is grounded in precomputed metrics. Open it to inspect the supporting numbers and the limits of the claim.
Severe actions took a larger share despite a similar count
Severe actions rose to 38.9% of the mix from 31.0% in the same period of 2025, even as their count was 105 versus 108. There were 20 cancellation actions, compared with 22, and no supersession actions, compared with 3.
Banks account for most of the decline in disclosed penalty value
Disclosed penalty value was ₹12.14 crore, down from ₹32.74 crore, a decline of ₹20.60 crore. Banks accounted for 82.6% of that decline, with ₹6.67 crore across 15 actions versus ₹23.68 crore across 39.
Bulk orders show why entity breadth and action volume differ
The three largest orders declared 192, 150 and 135 entities, while the dataset records 946 declared entities across 270 action records. The declared counts describe entities covered by orders, not additional action records.
What RBI Did and Where It Landed
Amber bars show the current mix. The fine marker shows the comparable earlier period, so a change is visible rather than merely asserted.
Action mix
Primary recorded action category.
- Monetary penalty167 · 61.9%
Previous 246 · 70.7%
- Business restriction79 · 29.3%
Previous 64 · 18.4%
- Licence cancellation20 · 7.4%
Previous 22 · 6.3%
- Action lifted4 · 1.5%
Previous 13 · 3.7%
Lifecycle
Fresh actions, extensions and withdrawals.
- Fresh action200 · 74.1%
Previous 283 · 81.3%
- Extension66 · 24.4%
Previous 52 · 14.9%
- Lifted / withdrawn4 · 1.5%
Previous 13 · 3.7%
Entity types
Action records by regulated-entity class, not entities affected.
- Co-operative bank181 · 67%
Previous 249 · 71.6%
- NBFC61 · 22.6%
Previous 56 · 16.1%
- Bank17 · 6.3%
Previous 40 · 11.5%
- Payment entity8 · 3%
Previous 2 · 0.6%
- Credit bureau3 · 1.1%
Previous 1 · 0.3%
Why RBI acted
Overlapping themes; one action may carry several reasons.
- Reporting & disclosure118 · 43.7%
Previous 181 · 52%
- Governance & oversight72 · 26.7%
Previous 82 · 23.6%
- KYC / AML61 · 22.6%
Previous 79 · 22.7%
- Capital & exposure norms55 · 20.4%
Previous 73 · 21%
- Lending norms50 · 18.5%
Previous 101 · 29%
- Customer protection48 · 17.8%
Previous 75 · 21.6%
Defining Actions
Up to four non-duplicative actions selected for monetary impact, breadth, severity or relief. Quiet periods may show fewer.
RBI imposes monetary penalty on Union Bank of India
27 Mar 2026₹95.4 lakhmonetary penaltyUnion Bank of India
Non-compliance with RBI directions on limiting customer liability in unauthorised electronic banking transactions and on automation of income recognition, asset classification and provisioning processes.
RBI cancels Certificate of Registration of 192 NBFCs
15 Jul 2026licence cancellationNaveen Merico Engineering Co. Private Limited
RBI cancelled the Certificate of Registration of 192 NBFCs under Section 45-IA(6) of the RBI Act, 1934.
Winding up of Paytm Payments Bank Limited
28 Jul 2026licence cancellationPaytm Payments Bank Limited
RBI cancelled the banking licence of Paytm Payments Bank Limited under Section 22(4) of the Banking Regulation Act, 1949. The release also notes the High Court ordered winding up and appointment of a liquidator.
Cessation of “Coöperatieve Rabobank U.A.” as a banking company within the meaning of sub section (2) of Section 36 (A) of the Banking Regulation Act, 1949
27 Jul 2026licence cancellationCoöperatieve Rabobank U.A.
The entity has ceased to be a banking company within the meaning of the Banking Regulation Act, 1949, via RBI notification published in the Gazette of India.
What It Cost
167 actions had a disclosed amount. Totals and distribution shape are kept separate from action volume.
- Median
- ₹2.7 L
- Largest
- ₹95.4 L
- Top five
- ₹3.45 cr
- 95th percentile
- ₹38.6 L
Previous ₹2 L
Previous ₹3.32 cr
Previous ₹9.3 cr
Previous ₹65 L
Change by entity type
Arithmetic attribution of the change in disclosed value. Contributions may exceed 100% or run in the opposite direction.
| Entity type | Current | Previous | Contribution |
|---|---|---|---|
| Bank | ₹6.67 cr | ₹23.68 cr | 82.6% |
| Co-operative bank | ₹2.76 cr | ₹5.19 cr | 11.8% |
| NBFC | ₹1.88 cr | ₹3.35 cr | 7.1% |
| Credit bureau | ₹34.92 L | ₹2 L | -1.6% |
| Payment entity | ₹47.7 L | ₹50.6 L | 0.1% |
Entity Coverage
- Declared
- 946
- Names extracted
- 956
- Canonical links
- 960
- First seen
- 567
Entity counts are breadth indicators, not action counts. One bulk order can name hundreds of companies.
Some source records declare entities but contain no extracted names.
Orders Still in Force
- Orders
- 30
- Entities
- 30
- Expiring next
- 12
- Duplicate entity rows
- 0
Next expiry window: 1 Jan 2027–31 Dec 2027.